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Guaranteed Rates for the Full Term

Fixed Rate Certificate

Term Rate APY
3 Month 0.050% 0.05%
6 Month 0.050% 0.05%
12 Month 0.100% 0.10%
24 Month Step-Up 0.100% 0.10%
24 Month 0.250% 0.25%
36 Month 0.499% 0.50%
48 Month 0.747% 0.75%
60 Month 0.995% 1.00%

Effective Date: November 15, 2012

Variable Rate

Early Saver Certificate

Term Rate APY
12 Month - over $20,000 0.250% 0.25%
12 Month - up to $20,000 1.243% 1.25%

Step Up to Increase Your Rate

Step-Up Certificates allow members to take advantage of interest rate growth with the opportunity to increase their rate once during the certificate term.

Here’s how it works:

  • The Step-Up Certificate is available in a 24-month term, with an initial rate lower than that of the UFCU traditional 24-month certificate
  • If the UFCU traditional 24-month certificate rate rises at any time during the term, the step-up option may be activated to increase to that rate
  • The step-up option may only be used once during the 24-month term
  • A deposit of any amount may be added at the time of the rate increase
  • Step-Up Certificates cannot be used as security for a loan

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Amplify Your Allowance

UFCU’s flexible Early Saver Certificates help make savvy savers of young members, age 17 and under.

  • Must have a Kidz or Teen Savings account
  • Only one Early Saver certificate per social security number
  • Minimum opening deposit of $100
  • 12-month term with variable tiered rates [a.1.f Rates & Fees]
  • Dividends calculated by daily balance method, compounded and paid monthly
  • Additional deposits of any amount can be made at any time
  • Auto-renewable
  • A penalty may be imposed for withdrawals before maturity
  • Step-Up Certificates cannot be used as security for a loan

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APY = Annual Percent Yield

* Dividends are calculated by the daily balance method, are based on UFCU's earnings at the end of a dividend period and cannot be guaranteed.

How much will you earn?

Desired Amount
Desired Term
Desired Amount
Desired Term

This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

Want higher interest rates?

Earn more interest on your certificates via our partnership with San Antonio Federal Credit Union (SACU).

Learn more

Saving for retirement?
Individual Retirement Accounts
Up to 1% interest